The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$11,536
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,895
−HK$364/mo
Today · 4.125%
HK$12,259
baseline
▲ 0.50% · 4.625%
HK$13,005
+HK$746/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,518/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,833
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,178
−HK$349/mo
Today · 4.125%
HK$13,527
baseline
▲ 0.50% · 4.625%
HK$14,240
+HK$713/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,054/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,843
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,273
−HK$438/mo
Today · 4.125%
HK$14,711
baseline
▲ 0.50% · 4.625%
HK$15,606
+HK$895/mo
Deposit HK$2.02M · loan HK$3.04M · min. income ≈ HK$29,422/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,400
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,813
−HK$419/mo
Today · 4.125%
HK$16,232
baseline
▲ 0.50% · 4.625%
HK$17,088
+HK$856/mo
Deposit HK$2.02M · loan HK$3.04M · min. income ≈ HK$32,464/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,150
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,652
−HK$511/mo
Today · 4.125%
HK$17,163
baseline
▲ 0.50% · 4.625%
HK$18,207
+HK$1,044/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,326/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,967
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,449
−HK$488/mo
Today · 4.125%
HK$18,937
baseline
▲ 0.50% · 4.625%
HK$19,936
+HK$999/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,874/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,764
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,410
−HK$656/mo
Today · 4.125%
HK$22,066
baseline
▲ 0.50% · 4.625%
HK$23,409
+HK$1,343/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$44,132/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,100
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,720
−HK$628/mo
Today · 4.125%
HK$24,348
baseline
▲ 0.50% · 4.625%
HK$25,632
+HK$1,284/mo
Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$48,696/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,827 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).